I'll get all these questions out at once. I am trying to devolpe a few more character besides the ones I play most of the time. I already have a Tamer/mage, Bard/Archer/ and I am convertingmy old battle mage to a pure mage (adding spellweaving and inscription). What I do not have and want to add are a necromancer and a pure fighter.

I have the 100 sword and 100 tactic on soulstones from the battle mage so my fighter will be sword based. how should I set this guy up?

I also notice that the templates I have been looking at do not have focus listed, so I am wondering if it is realy needed.

What is a good sammy template
Necro template
Pally template

I have 720 skill points also, so that gives me some flexability.

Thanks for any help.

I like the following for a Sammy.
Fence 120
Bush 115
Resists 110
Parry 115
Anat 100
Heal 90
Poison 70

With this you can do really well at all spawns (never die). And still can hold my own against a raid.
What you are looking to use this for?

The hard part is a good suit. And I need recall scrolls to travel.

Most templates nowadays are item based to save skill room. Enhance potions (alchemy), MR (focus) and DI (tactics) all make up for skill room. that is why many templates do not have those skills.
Swords 120
Parry 120
Bushido 120
Anat 100
Heal 90
These are core skills (550 skill points)(170 left over). Throw in anything else you want.